Beacon Bank & Trust: Income and Expense
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Data as of · Call Report Schedule RI How we update
Beacon Bank & Trust reported all 18 line items on this page on its Q3 2026 filing. Net income was $65.6M in Q3 2026, against -$27.6M in Q3 2025.
The standout move of Q3 2026 was in Provision for credit losses: 81.4% higher than in Q2 2026, at $8.9M. Beacon Bank & Trust ranks 12th of 89 Massachusetts banks on return on assets, in the upper half at 1.19% (Q3 2026). Beacon Bank & Trust reported 1.19% on return on assets for Q3 2026, 0.07 points below the 1.25% median for banks in the $10B-100B asset tier.
Net income
Largest change in this table: net income, down 3.0% to $65.6M in Q3 2026 after $67.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $65.6M |
| Return on assets | 1.19% |
| Return on equity | 10.38% |
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Interest income and expense
Net interest margin changed the most here, up 0.11 points to 3.95% in Q3 2026 from 3.84% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $268.0M |
| Total interest expense | $96.7M |
| Interest expense on deposits | $91.6M |
| Net interest margin | 3.95% |
Noninterest income and expense
Total noninterest expense changed the most here, up 6.0% to $132.2M in Q3 2026 from $124.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $132.2M |
| Salaries and general administrative expense | $85.4M |
| Amortization of intangibles | $8.1M |
| Other noninterest expense | $38.7M |
| Efficiency ratio | 53.86% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $11.3M |
| Revenue per employee | $473K |
| Full-time equivalent employees | 1,934 |
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $8.9M |
| Provision expense to average assets | 0.16% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $12.8M | 0.83% | 8.83% | 59.72% |
| Q1 2024 | $9.1M | 0.58% | 6.20% | 64.28% |
| Q2 2024 | $5.9M | 0.38% | 4.07% | 66.99% |
| Q3 2024 | $10.7M | 0.68% | 7.30% | 58.50% |
| Q4 2024 | $13.4M | 0.85% | 9.04% | 61.63% |
| Q1 2025 | $11.4M | 0.73% | 7.66% | 60.18% |
| Q2 2025 | $11.4M | 0.74% | 7.61% | 56.57% |
| Q3 2025 | -$27.6M | -0.71% | -7.36% | 76.41% |
| Q4 2025 | $107.2M | 1.91% | 17.47% | 56.47% |
| Q1 2026 | $50.9M | 0.92% | 8.11% | 59.37% |
| Q2 2026 | $67.6M | 1.22% | 10.71% | 52.02% |
| Q3 2026 | $65.6M | 1.19% | 10.38% | 53.86% |
Beacon Bank & Trust income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Beacon Bank & Trust profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 17798) · FFIEC NIC profile (RSSD 782306)